Cardoza stared at him as if he was crazy. “A bank draft to whom?”

“Eliah Ruskin, who else?” answered Ruskin. “And be quick about it.”

Mired in confusion, Cardoza pulled open a drawer, retrieved a book containing bank drafts, and hurriedly scribbled out one for the amount Ruskin demanded. When finished, he passed it across the desk to Ruskin, who slipped it into his breast pocket.

“Now, down on the floor with the others.”

As if in the throes of a nightmare, Cardoza slowly lowered himself onto the floor next to his trembling secretary.

“Now, then, none of you move, or even twitch, until I tell you to.”

Without saying more, Ruskin walked inside the vault and began stuffing the bank’s currency into leather money sacks he’d seen earlier stacked on a shelf inside the huge five-ton door. He filled two of them, estimating the take at roughly two hundred thirty thousand dollars in larger denominations, none under ten dollars. He had planned well. From inside banking information, he knew that the Salt Lake Bank & Trust had received a large shipment of currency issued from the Continental & Commercial National Bank of Chicago for their reserves. The suitcase with his own money he left on another shelf of the vault.

Laying aside the sacks, he closed the vault door. It swung shut as easily as a door on a cupboard. Then he turned the bog wheel that activated the inside latches and set the timer for nine o’clock the next morning.

Unhurriedly, as if he was strolling through a park, he stepped behind the counter and ruthlessly shot the people lying on the floor in the back of the head. The muffled shots came so quickly, none had time to know what was happening and cry out. Then he raised the bank’s window shades, so people passing on the sidewalk could see that the vault was shut and would assume the bank was closed. The bodies were conveniently out of sight behind the counter.

Ruskin waited until the sidewalk was clear of foot traffic and vehicles before he nonchalantly exited the bank, locked the door, and strolled leisurely from the building, swinging his cane. By four o’clock, he had returned to the Peery Hotel, had a bath, and come down to the restaurant, where he enjoyed a large smoked-salmon plate with dill cream and caviar accompanied by a bottle of French Clos de la Roche Burgundy 1899. Then he read in the lobby for an hour before going to bed and slept like a rock.

LATE IN the morning, Ruskin took a taxi to the Salt Lake Bank & Trust. A crowd of people were clustered around the front door as an ambulance pulled away from the bank. Police in uniforms were in abundance. He pushed his way through the crowd, saw a man who was dressed like a detective, and addressed him.

“What happened here?” he asked courteously.

“The bank has been robbed and five people murdered.”

“Robbed, murdered, you say? This is disastrous. I deposited half a million dollars in cash here yesterday from my bank in New York.”

The detective looked at him in surprise. “Half a million dollars, you say? In cash?”

“Yes, I have my receipt right here.” Ruskin flashed the receipt in the detective’s face. The detective studied it for a few moments and then said, “You are Eliah Ruskin?”

“Yes, I’m Ruskin. I represent the Hudson River Bank of New York.”

“A half million dollars in cash!” the detective gasped. “No wonder the bank was robbed. You better come inside, Mr. Ruskin, and meet with Mr. Ramsdell, one of the bank’s directors. I’m Captain John Casale, with the Salt Lake Police Department.”

The bodies had been removed, but large areas of the mahogany floor were layered in dried blood. Captain Casale led the way to a man—a huge, fat man with a large protruding stomach behind a vest and massive watch chain. The man was sitting at Cardoza’s desk, examining the bank’s deposits. His brown eyes appeared dazed beneath the bald head. He looked up and stared at Ruskin, annoyed at the intrusion.

“This is Mr. Eliah Ruskin,” announced Casale. “He says he deposited half a million dollars with Mr. Cardoza yesterday.”

“Sorry to meet you under such tragic circumstances. I am Ezra Ramsdell, the bank’s managing director.” Ramsdell rose and shook Ruskin’s hand. “A terrible, terrible business,” he muttered. “Five people dead. Nothing like this has ever happened in Salt Lake City before.”

“Were you aware of the money Mr. Cardoza was holding for my bank?” asked Ruskin flatly.

Ramsdell nodded. “Yes, he called me on the telephone and reported that you had come in and placed your bank’s currency in the vault.”

“Since Mr. Cardoza, God rest his soul, wrote me out a receipt, my directors will assume your bank will make good on the loss.”

“Tell your directors not to worry.”

“How much cash did the robber take?” Ruskin asked.

“Two hundred forty-five thousand dollars.”

“Plus my half million,” he said, as if agitated.

Ramsdell looked at him queerly. “For some inexplicable reason, the robber didn’t take your money.”

Ruskin simulated a stunned expression. “What are you telling me?”

“The bills in a large, brown leather suitcase,” said Captain Casale. “Are those yours?”

“The gold certificates? Yes, they are from the bank I represent in New York.”

Ramsdell and Casale exchanged odd looks. Then Ramsdell said, “The case you and Mr. Cardoza placed in the vault still contains your currency.”

“I don’t understand.”

“It hasn’t been touched. I opened and checked it myself. Your gold certificates are safe and sound.”

Ruskin made a show of acting perplexed. “It doesn’t make sense. Why take your money and leave mine?”

Casale scratched one ear. “My guess is, he was in a hurry and simply ignored the suitcase, not realizing it was filled with a king’s fortune in cash.”

“That’s a relief,” said Ruskin, taking off his silk top hat and wiping imaginary sweat from his brow. “Assuming the robber won’t return, I’ll leave it in your vault until such time as we require it to open our new branch banks in Phoenix and Reno.”

“We are most grateful. Especially now that our currency on hand has been wiped out.”

Ruskin looked around at the spread of dried blood on the floor. “I should leave you to your investigation.” He nodded at Casale. “I trust you will catch the killer so he can be hung.”

“I swear we’ll track him down,” Casale said confidently. “Every road out of Salt Lake and all the train depots are covered by a network of police officers. He can’t travel beyond the city limits without being caught.”